J. Regmi, C. K. Gupta, I. Shah, and D. Kunwar, “Financial Technology as a Basis for Financial Inclusion and its Impact on Profitability: A Case of Nepalese Commercial Banks”, Nep. J. Econ., vol. 8, no. 2, pp. 110–127, Aug. 2024, doi: 10.3126/nje.v8i2.68807.